Consumer Credit Examiner - Multiple Vacancies

Gardiner , Maine , United States | Accounting, Business & Finance | Full-time

Apply by: May 28, 2024

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Department of Professional and Financial Regulation (and Boards) - Bureau of Consumer Credit ProtectionJob Class Code:0345

Grade: 20 (Professional/Technical)

Salary: $41,766 - $56,076

Location: Gardiner, MEOpening Date: May 13, 2024Closing Date: May 28, 2024

Do you want to be part of a team that helps to protect consumers from predatory lending practices and ensure that creditors are treating Mainers fairly? If you have experience working in a financial industry such as a bank, credit union, mortgage company, debt collection company, general finance, or other areas of credit, you could be considered for this entry-level professional government position. The work involves the licensing and/or examinations of various companies and individuals that lend money and collect. Some of the work may involve reviewing criminal background reports and credit reports, looking at consumer finance agreements, and ensuring consumers’ personal information is properly safeguarded.

Agency Information:

The Bureau of Consumer Credit Protection was established to protect the citizens of Maine from unfair and deceptive practices with respect to consumer loans, credit sales and debt collection. A primary responsibility of the agency is to protect Maine consumers through implementation of the Maine Consumer Credit Code, and other laws such as Truth in Lending, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act.

The agency is responsible for overseeing non-bank consumer lenders and creditors, as well as companies and individuals that are involved in other financial areas. Some of these areas include mortgage companies, mortgage loan originators, debt collectors, repossession companies, credit reporting agencies, sales finance companies, money transmitters, car dealerships (with respect to financing agreements), rent-to-own companies, pawnbrokers, and many more.

Primary responsibilities include:

• Evaluates credit and lending contracts, disclosures, and financial information to check for compliance with State and Federal regulations.

• Analyzes credit reports and criminal background reports.

• Reviews regulatory actions, consumer complaint information, and prior examination records to make recommendations and determinations of new and renewing applicants.

• Prepares reports and gathers statistical information.

• Communicates with credit and lending companies and provides explanations and offers guidance to ensure compliance.

Minimum qualifications:

A four (4) year combination of experience and/or education in consumer credit field, e.g., compliance, economic, legal, paralegal or accounting education or background; employment in the lending or retail credit-granting field; or other related education or occupation.

Preference will be given to candidates with:

• Knowledge of the Maine Consumer Credit Code and other laws under the jurisdiction of the Bureau.

• Knowledge of accounting and auditing principles, practices, and procedures.

• Ability to analyze loan and credit sale transactions.

• Ability to communicate effectively orally and in writing.

Contact information:

Questions about this position should be directed to Kristine Fornier, 207-624-8527, or Kristine.m.fournier@maine.gov

Application Instructions:

Interested applicants need to apply online by selecting the "Apply for this opening" button along with uploading a cover letter, current resume, and copies of any transcripts or certifications you wish to have considered while evaluating your application. In order for us to properly determine if you meet the minimum qualifications for any posting, you must be sure your resume includes month and year for any experience listed along with the duties and responsibilities associated with each particular time period. Any experience that was not full-time employment should be identified as such.

If you require a paper application, please download and print one here https://www.maine.gov/bhr/state-jobs/application-process or contact our office at 207-623-6700. Paper applications for this posting should be submitted along with cover letter and resume before the closing date to Security & Employment Service Center, 45 Commerce Drive, Augusta, ME 04330 or faxed to 207-287-2018. Be sure title of the job you are applying for is included. Applications cannot be accepted after the posting closing date.

Benefits of working for the State of Maine:

No matter where you work across Maine state government, you find employees who embody our state motto—"Dirigo" or "I lead"—as they provide essential services to Mainers every day. We believe in supporting our workforce's health and wellbeing with a valuable total compensation package, including:

• Work-Life Balance – Rest is essential. Take time for yourself using 13 paid holidays, 12 days of sick leave, and 3+ weeks of vacation leave annually. Vacation leave accrual increases with years of service, and overtime-exempt employees receive personal leave.

• Health Insurance Coverage – The State of Maine pays 85%-100% of employee-only premiums ($10,150.80-$11,942.16 annual value), depending on salary. Use this chart to find the premium costs for you and your family, including the percentage of dependent coverage paid by the State.

• Health Insurance Premium Credit – Participation decreases employee-only premiums by 5%. Visit the Office of Employee Health and Wellness for more information about program requirements.

• Dental Insurance – The State of Maine pays 100% of employee-only dental premiums ($350.40 annual value).

• Retirement Plan – The State of Maine contributes 13.41% of pay to the Maine Public Employees Retirement System (MainePERS), on behalf of the employee.

• Gym Membership Reimbursement – Improve overall health with regular exercise and receive up to $40 per month to offset this expense.

• Health and Dependent Care Flexible Spending Accounts – Set aside money pre-tax to help pay for out-of-pocket health care expenses and/or daycare expenses.

• Public Service Student Loan Forgiveness – The State of Maine is a qualified employer for this federal program. For more information, visit the Federal Student Aid office.

• Living Resources Program – Navigate challenging work and life situations with our employee assistance program.

• Parental leave is one of the most important benefits for any working parent. All employees who are welcoming a child—including fathers and adoptive parents—receive four weeks of fully paid parental leave. Additional, unpaid leave may also be available, under the Family and Medical Leave Act (https://www.maine.gov/bhr/state-employees/rules-policies/policy-practices-manual/Employee-Rights-and-Responsibilities-Federal) .

• Voluntary Deferred Compensation – Save additional pre-tax funds for retirement in a MaineSaves 457(b) account through payroll deductions.

• Learn about additional wellness benefits for State employees from the Office of Employee Health and Wellness (https://www.maine.gov/bhr/oeh/) .

There's a job and then there's purposeful, transformative work. Our aim is to create a workplace where you can learn, grow, and continuously refine your skills. Applicants demonstrate job requirements in differing ways, and we appreciate that many skills and backgrounds can make people successful in this role. As an Equal Opportunity employer, Maine State Government embraces a culture of respect and awareness. We are committed to creating a strong sense of belonging for all team members, and our process ensures an inclusive environment to applicants of all backgrounds including diverse race, color, sex, sexual orientation or gender identity, physical or mental disability, religion, age, ancestry, national origin, familial status or genetics. If you’re looking for a great next step, and want to feel good about what you do, we’d love to hear from you. Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.

Thinking about applying?

Research shows that people from historically excluded communities tend to apply to jobs only when they check every box in the posting. If you’re currently reading this and hesitating to apply for that reason, we encourage you to go for it! Let us know how your lived experience and passion set you apart.